Banco Santander Chile Announces the Filing of its Annual Report on Form 20-F with the United States Securities and Exchange Commission for Fiscal Year 2025

Rhea-AI Summary

Banco Santander Chile (NYSE: BSAC) filed its Annual Report on Form 20-F with the U.S. Securities and Exchange Commission on Feb 27, 2026 for the fiscal year ended Dec 31, 2025.

The 2025 Annual Report includes the company's complete audited financial statements and is available on the SEC website and Santander Chile's investor website. Shareholders may request a free hard copy from Investor Relations by phone or email.

Key Figures

Shares outstanding: 188,446,126,794 shares ADS share ratio: 400 common shares per ADS Retail loan share: 76.3% of loan book +5 more

8 metrics

Shares outstanding 188,446,126,794 shares Common stock at year end 2025 (Form 20-F)

ADS share ratio 400 common shares per ADS New York–listed ADS structure (Form 20-F)

Retail loan share 76.3% of loan book Retail customers’ share of total loans (Form 20-F)

Mortgage concentration 42.6% of total loans Residential mortgages at amortized cost (Form 20-F)

Chile GDP growth 2.4% 2025 Chilean GDP growth cited in Form 20-F

Inflation 2025 3.4% Chilean inflation in 2025 from Form 20-F

Policy rate 4.50% Central Bank of Chile policy rate in 2025 (Form 20-F)

Share price $35.07 Pre-news current price vs 52-week range $20.77–$37.72

Market Reality Check

Price: $35.07 Vol: Volume 320,747 is 1.16x t...

normal vol

$35.07 Last Close

Volume Volume 320,747 is 1.16x the 20-day average of 277,335, indicating slightly elevated trading activity pre-filing. normal

Technical Price at $35.07 is trading above the 200-day MA $28.01, reflecting a pre-news uptrend despite the recent pullback.

Peers on Argus

BSAC was down 2.23% with modestly higher volume, while peers showed mixed moves:...

1 Down

BSAC was down 2.23% with modestly higher volume, while peers showed mixed moves: WF at -2.91%, BCH at -1.14%, CIB at -5.48%, and FHN up 1.34%. Only one peer appeared in the momentum scanner, suggesting stock-specific trading rather than a broad sector shift.

Historical Context

5 past events · Latest: Jan 30 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Jan 30	2025 earnings	Positive	-4.8%	Strong 4Q25 and 12M25 earnings with higher ROAE and improved efficiency.
Jan 09	Earnings call setup	Neutral	+1.3%	Announcement of 4Q25 analyst webcast and conference call schedule.
Nov 19	Strategic partnership	Positive	+1.2%	Proposed PagoNxt partnership to strengthen Getnet Chile’s payments position.
Oct 30	3Q25 earnings	Positive	+1.8%	3Q25 and 9M25 results with higher net income, NIM and capital ratios.
Oct 03	3Q25 call setup	Neutral	+0.5%	Scheduling of 3Q25 results webcast and providing balance sheet snapshot.

Pattern Detected

Recent news has mostly led to price moves consistent with tone: positive earnings and strategic updates often saw gains, while the latest strong 4Q25 earnings saw a notable negative divergence.

Recent Company History

Over the last six months, BSAC has reported improving profitability and capital, with 3Q25 and 4Q25 earnings showing stronger margins and returns. Strategic steps such as the proposed PagoNxt partnership aim to reinforce its payments position, while regular conference calls keep investors informed. Today’s 20-F filing formalizes audited 2023–2025 IFRS results and detailed risk disclosures, following multiple February 6-K updates on bond issuance, governance, and shareholder matters.

Market Pulse Summary

This announcement confirms that Banco Santander Chile has filed its Form 20-F for fiscal 2025, makin...

Analysis

This announcement confirms that Banco Santander Chile has filed its Form 20-F for fiscal 2025, making full audited IFRS financials and extensive risk disclosures available to investors via the SEC and company website. The filing complements earlier updates on 2025 performance and balance sheet strength. Investors can focus on loan book composition, macro assumptions like 2.4% GDP growth, and previously reported profitability metrics when evaluating BSAC’s positioning.

Key Terms

form 20-f, securities and exchange commission, ifrs, ads

4 terms

form 20-f regulatory

"Annual Report on Form 20-F for the fiscal year ended December 31, 2025"

Form 20-F is the standardized annual disclosure that non-U.S. companies must file with the U.S. securities regulator when their shares are traded in the U.S.; it contains audited financial statements, a plain-language description of the business, management discussion, governance details and key risk factors. It matters to investors because it provides a consistent, comparable company “report card” and rulebook, helping buyers assess financial health, governance and risks before investing.

securities and exchange commission regulatory

"filed with the U.S. Securities and Exchange Commission (the “SEC”)."

A national government agency that enforces rules for buying, selling and disclosing information about stocks and other investments, acting like a referee and scorekeeper for financial markets. It requires companies to share clear, regular financial and business information and investigates fraud or rule-breaking, which matters to investors because those rules and disclosures help ensure fair prices, reduce hidden risks and make it easier to compare investment choices.

ifrs financial

"presenting IFRS audited financial statements for the years ended December 31, 2025, 2024 and 2023"

International Financial Reporting Standards (IFRS) are a set of common accounting rules used by many companies worldwide to prepare financial statements, so numbers like revenue, profit and assets are measured in the same way across borders. For investors, IFRS matters because it makes it easier to compare the financial health and performance of different companies—like using the same ruler to measure different objects—reducing surprises and helping informed investment decisions.

ads financial

"Each New York–listed ADS represents 400 common shares."

Ads are paid promotional messages a company places across media — online, on TV, in print, or on social platforms — to attract customers, explain products, or shape public perception. For investors, ads matter because they drive sales growth, affect how much a company must spend to win customers, and influence brand strength and long-term value. Ads can also create regulatory or reputational risk if claims are misleading, which can affect profits and stock price.

AI-generated analysis. Not financial advice.

SANTIAGO, Chile, Feb. 27, 2026 (GLOBE NEWSWIRE) -- Banco Santander Chile (“Santander Chile” or the “Company”) (NYSE: BSAC; SSE: Bsantander) announced today that its Annual Report on Form 20-F for the fiscal year ended December 31, 2025 (the “2025 Annual Report”) has been filed with the U.S. Securities and Exchange Commission (the “SEC”).

The 2025 Annual Report can be accessed either by visiting the SEC's website at www.sec.gov or Santander Chile’s corporate website at www.santander.cl. In addition, shareholders may receive a hard copy of the 2025 Annual Report, which includes the Company's complete audited financial statements, free of charge by requesting a copy from Santander Chile's Investor Relations Office at + 562 320 8284 or by email at: irelations@santander.cl.

CONTACT INFORMATION
Investor Relations
Banco Santander Chile
Bandera 140, Floor 20
Santiago, Chile
(562) 2320-8284
Email: irelations@santander.cl
Website: www.santander.cl

FAQ

Has Banco Santander Chile (BSAC) filed its 2025 Form 20-F and when was it filed?

Yes — Banco Santander Chile filed its 2025 Form 20-F on Feb 27, 2026. According to the company, the filing covers the fiscal year ended Dec 31, 2025 and includes the complete audited financial statements for shareholders.

Where can investors access Banco Santander Chile's (BSAC) 2025 Annual Report on Form 20-F?

Investors can access the 2025 Annual Report on the SEC website or Santander Chile's investor site. According to the company, the report is available at www.sec.gov and www.santander.cl for download and review.

How can shareholders request a free hard copy of Banco Santander Chile's (BSAC) 2025 Annual Report?

Shareholders can request a free hard copy from Investor Relations by phone or email. According to the company, contact details are (562) 2320-8284 or irelations@santander.cl for delivery.

What fiscal period does Banco Santander Chile's (BSAC) 2025 Form 20-F cover?

The 2025 Form 20-F covers the fiscal year ended Dec 31, 2025. According to the company, the filing contains the complete audited financial statements for that fiscal year.

Does Banco Santander Chile's (BSAC) Form 20-F include audited financial statements for 2025?

Yes — the 2025 Form 20-F includes the company's complete audited financial statements. According to the company, those statements are part of the Annual Report filed with the SEC on Feb 27, 2026.

Who should investors contact for questions about Banco Santander Chile's (BSAC) 2025 Annual Report?

Investors should contact Santander Chile Investor Relations at the listed phone or email. According to the company, reach Investor Relations at (562) 2320-8284 or irelations@santander.cl for inquiries.